World2Cover travel insurance review

A low standard excess payment and up to $25,000 in cancellation cover are just two reasons to consider World2Cover travel insurance ahead of your next Oz trip.

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World2Cover Travel Insurance

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Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
    • If you're buying a policy today, it's unlikely that you'll be covered for border closures
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered

    Our Verdict:

    • If you're planning a trip within Australia, you can enjoy up to $25,000 in trip cancellation cover. This is more than twice as much as competitors such as Amex and Cover-More.
    • The domestic policy's standard excess of $100 is lower than over 50 per cent of the quotes on our site. Plus, the 25% sign up discount is one of the best deals around in our view.
    • World2cover wasn't one of the five travel insurance providers we found that offered some kind of cover for coronavirus-related expenses.

    Review by our life insurance senior writer James Martin

    World2Cover travel insurance deals

    Compare World2Cover Travel Insurance and see if it's right for you.

    World2Cover Travel Insurance DealsWorld2Cover Travel Insurance Deals

    World2Cover Travel Insurance Deals

    Get 25% Off World2Cover Travel Insurance

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    Compare Policies from World2Cover

    Name Product Overseas Medical Expenses Cancellation and amendment fees Theft or damage to lugagge COVID-19 expenses Standard excess
    World2cover Domestic Travel Insurance
    • No
    • $25,000
    • $7,500
    World2cover International Top Cover Travel Insurance
    • Unlimited
    • Unlimited
    • $15,000

    Compare up to 4 providers

    Summary of World2Cover's Comprehensive policy

    Overseas Medical and Hospital ExpensesUnlimited
    Cancellation and Amendment FeesUnlimited
    Luggage and Personal Effects$15,000
    Maximum Age Limit75

    Table updated November 2020

    Finder’s favourite features

    1. Get cheaper travel insurance for your family with kids up to 25 years old covered for free
    2. Avoid out-of-pocket costs with the option to reduce your excess to $0
    3. Easy comparison of policies with only three levels of cover for international travel

    What type of policies does World2Cover offer?



    World2Cover’s most comprehensive level of cover. This includes cover for medical and dental costs and lost luggage compensation, as well as special event cover and rental vehicle excesses.



    This is a slightly scaled-down version of Top cover, with unlimited medical cover, but lower maximum limits on most benefits.

    location pin


    The simplest form of cover on offer. Provides unlimited medical expenses, some luggage replacement cover, and legal liability, but few other features.



    This policy is similar to what you’d receive under the Essentials plan, while excluding medical and hospital expenses.

    World2Cover review of benefits

    We’ve summarised the four policies you can obtain from World2Cover in the table below, with the benefits each one provides.

    Overseas medical + hospitalUnlimitedUnlimitedUnlimited
    Overseas dental$2,000$2,000$500
    Funeral expenses overseas$20,000/person$15,000/person$10,000/person
    Travel documents$3,000$1,500
    Emergency expensesUnlimited$25,000$5,000$25,000
    Travel delay$3,000$1,500
    Special events$5,000$2,000
    Luggage delay$750$500
    Legal liability$10,000,000$10,000,000$10,000,000$10,000,000

    Table updated November 2020

    What options can I add on to my World2Cover travel insurance?

    With Domestic, Essential or Top travel insurance, you have the choice of additionally purchasing the ski and winter sports package. For an added premium, you will receive cover for:

    • Equipment hire and equipment replacement, as well as lost lift pass replacement costs.
    • Travel passes, ski hires and similar you can’t use the full duration of due to illness or injury.
    • Piste closures, bad weather, and avalanches.

    What won’t be covered by my policy?

    Before purchasing any insurance plan, you should always take careful note of the specific exclusions that apply to each policy. In general, however, World2Cover will never honour a claim if:

    • You are deemed to be acting irresponsibly at the time of the incident, or if you or a travelling companion are under the influence of drugs or alcohol.
    • You are doing something illegal or breaking any regulation or law when the issue arises.
    • You’re driving a vehicle without the proper licence for the country you’re in, or are a passenger on a motorcycle or similar with someone unlicensed driving.
    • You went ahead with travel plans despite official warnings from the government or mass media.
    • Your claim relates to a pre-existing medical condition you either did not inform World2Traveller about or which wasn’t approved.
    • You were participating in risky sports or activities (e.g. mountaineering, rodeos).

    How do I contact World2Cover?

    Emergency response: +612 8055 1683
    Start your claim online:
    General enquiries: +61 2 9225 7599

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    2 Responses

      Default Gravatar
      JonathanJune 21, 2018

      Can you provide a list of Travel Insurers for someone over the age of 72 years who travels regularly and for long periods between Adelaide and Denpasar, Bali?


        Avatarfinder Customer Care
        JeniJune 22, 2018Staff

        Hi Jonathan,

        Thank you for getting in touch with Finder.

        It is recommended to get an annual travel insurance for someone who travels a lot in a year to save more on your trips.

        You can enter your travel details from our travel insurance for seniors form to compare quotes from different providers. When you are ready, you may then click on the “Go to site” button and you will be redirected to the insurer’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

        I hope this helps. Please feel free to reach out to us if you have any other enquiries.

        Thank you and have a wonderful day!


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